Provisioning of access credentials using device codes

ABSTRACT

Systems and methods are described for provisioning access credentials to a mobile device using device and authorization codes. Once provisioned, a mobile device can be used to conduct a transaction.

CROSS-REFERENCES TO RELATED APPLICATIONS

This application is a non-provisional of and claims the benefit of thefiling date of U.S. Provisional Patent Application No. 62/158,495, whichwas filed on May 7, 2015, which is herein incorporated by reference inits entirety for all purposes.

BACKGROUND

There is a need for a more convenient authentication process during theprovisioning of credentials. Credentials may include access tokens thatcan access various resources such as goods, services, data, or specificvenues or locations. Such credentials may be provisioned to a mobiledevice such as a mobile phone so that the mobile phone can use thecredentials to access various resources.

One problem that is associated with the provisioning of credentials isthat credentials can be provisioned by one entity, while another entitymay actually authorize the provisioning. The different entities utilizedifferent systems and the coordination between such systems isdifficult. It is also difficult to ensure that the entity that isrequesting the provisioning is in fact authorized to do so and that thedevice that is being provisioned is the right device. More convenient,efficient, and/or secure credential provisioning methods and systems areneeded.

Embodiments of the invention address these and other problems,individually and collectively.

BRIEF SUMMARY

Embodiments of the present invention relate to systems and methods forprovisioning access credentials onto mobile devices using device codesand authorization codes.

One embodiment of the invention is directed to a method comprising:providing, by a mobile device or a communication device, a device codeto an authorization computer. The authorization computer thereaftergenerates an authorization code using at least the device code. Themethod also comprises receiving, by the mobile device or thecommunication device, the authorization code; providing, by the mobiledevice, the authorization code to an access credential provisioningserver computer; and receiving, by the mobile device from the accesscredential provisioning server computer, an access credential. Themobile device is configured to provide the access credential to anaccess device to gain access to a resource.

Another embodiment of the invention is directed to a mobile devicecomprising: a processor; an antenna coupled to the processor; and acomputer readable medium coupled to the processor. The computer readablemedium comprises code, executable by the processor to implement a methodcomprising providing a device code to an authorization computer. Theauthorization computer thereafter generates an authorization code usingat least the device code. The method also comprises receiving theauthorization code, providing the authorization code to an accesscredential provisioning server computer, and receiving an accesscredential. The mobile device is configured to provide the accesscredential to an access device to gain access to a resource.

Another embodiment of the invention is directed to a method comprising:receiving, by a server computer, a device code from a mobile device or acommunication device operated by a user; generating, by the servercomputer, an authorization code using the device code; and transmitting,by the server computer, the authorization code to the mobile device orthe communication device. The authorization code is provided by the userto a provisioning server computer, which verifies the authorization codeand provisions the mobile device with one or more access credentials.

These and other embodiments of the invention are described in furtherdetail below.

BRIEF DESCRIPTION OF THE DRAWINGS

FIG. 1 show a block diagram of a system according to an embodiment ofthe invention, with a process flow.

FIG. 2 shows a block diagram of a system according to another embodimentof the invention, with a process flow.

FIG. 3 shows a block diagram of a mobile device according to anembodiment of the invention.

FIG. 4 shows a block diagram of an authorization computer according toan embodiment of the invention.

FIG. 5 shows a block diagram of a provisioning server computer accordingto an embodiment of the invention.

FIG. 6 shows a flowchart illustrating steps in a process flow accordingto an embodiment of the invention.

FIG. 7 shows a flowchart illustrating steps in a process flow accordingto another embodiment of the invention.

FIG. 8 shows a block diagram of a building access system that can use amobile device with an access credential.

FIG. 9 shows a block diagram of a transaction processing system that canuse a mobile device with an access credential.

DETAILED DESCRIPTION

Embodiments of the invention can be used in a step-up authenticationprocess during the provisioning of one or more access credentials (e.g.,payment tokens) to a mobile device. In some embodiments, a user of amobile device may have already commenced the provisioning process. Anentity such as an issuing bank, payment processor, token vault, buildingaccess authority, transit agency, etc., may have decided that additionalauthentication is needed before allowing the user to obtain therequested one or more access credentials.

In some embodiments, the one or more access credentials may be used toconduct payment transactions. If step-up authentication is desired afterthe user has requested that the user's mobile device be provisioned withthe one or more access credentials, then in some embodiments, the usermay be instructed to log into their online banking site with theirissuer. The user's ability to log into their online banking site canserve as an additional authentication factor to ensure that the userrequesting the one or more access credentials is in fact authorized todo so. The issuer may eventually be provided with a device code, whichties any transaction conducted using the access credentials to aparticular mobile device.

There are several options regarding which entity generates the devicecode, which data elements are used to generate the device code, and howthe device code is provided (e.g., transmitted) to the issuer. Suchoptions are described in greater detail below. Once the issuer has thedevice code, it can generate an authorization code from the device code.The authorization code can be returned to the mobile device and/or theuser. The user may then provide the authorization code to theprovisioning server computer, which may then verify the authorizationcode. If the authorization code is verified, then the provisioningserver computer may then provision the mobile device with the requestedaccess credentials.

Embodiments of the invention have a number of advantages. For example,embodiments of the invention can ensure that the correct user and thecorrect mobile device are in fact authorized to receive the accesscredentials. Further, embodiments of the invention are “lightweight,”since not much interaction or communication between an authorizingentity and a provisioning entity is needed to accomplish theauthentication needed for the access credential provisioning process aswell as the provisioning process itself. In embodiments of theinvention, a real time link between the provisioning entity and theauthorizing entity is advantageously not needed.

Prior to discussing specific embodiments of the invention, some termsmay be described in detail.

A “mobile device” may comprise any electronic device that may betransported and operated by a user, which may also provide remotecommunication capabilities to a network. Examples of remotecommunication capabilities include using a mobile phone (wireless)network, wireless data network (e.g., 3G, 4G or similar networks),Wi-Fi, Wi-Max, or any other communication medium that may provide accessto a network such as the Internet or a private network. Examples ofmobile devices include mobile phones (e.g., cellular phones), PDAs,tablet computers, net books, laptop computers, personal music players,hand-held specialized readers, wearable devices (e.g., watches),vehicles (e.g., cars), etc. A mobile device may comprise any suitablehardware and software for performing such functions, and may alsoinclude multiple devices or components (e.g., when a device has remoteaccess to a network by tethering to another device—i.e., using the otherdevice as a relay—both devices taken together may be considered a singlemobile device).

“Authentication data” may include any data suitable for authenticating auser or mobile device. Authentication data may be obtained from a useror a device that is operated by the user. Examples of authenticationdata obtained from a user may include PINs (personal identificationnumbers), passwords, etc. Examples of authentication data that may beobtained from a device may include device serial numbers, hardwaresecure element identifiers, device fingerprints, phone numbers, IMEInumbers, etc.

A “provisioning server computer” may include any suitable computer thatcan provision data such as one or more access credentials to a device.In some embodiments of the invention, a provisioning server computer maybe an access credential provisioning server computer, which mayprovision access credentials to a mobile device such as a mobile phone,over the air. An access provisioning server computer may store orgenerate access credentials. In some embodiments, an access provisioningserver computer may include a token vault.

A “payment device” may include any suitable device that may be used toconduct a financial transaction, such as to provide payment credentialsto a merchant. The payment device may be a software object, a hardwareobject, or a physical object. As examples of physical objects, thepayment device may comprise a substrate such as a paper or plastic card,and information that is printed, embossed, encoded, or otherwiseincluded at or near a surface of an object. A hardware object can relateto circuitry (e.g., permanent voltage values), and a software object canrelate to non-permanent data stored on a device. A payment device may beassociated with a value such as a monetary value, a discount, or storecredit, and a payment device may be associated with an entity such as abank, a merchant, a payment processing network, or a person. A paymentdevice may be used to make a payment transaction. Suitable paymentdevices can be hand-held and compact so that they can fit into a user'swallet and/or pocket (e.g., pocket-sized). Example payment devices mayinclude smart cards, magnetic stripe cards, keychain devices (such asthe Speedpass™ commercially available from Exxon-Mobil Corp.), etc.Other examples of mobile devices include pagers, payment cards, securitycards, access cards, smart media, transponders, and the like. If thepayment device is in the form of a debit, credit, or smartcard, thepayment device may also optionally have features such as magneticstripes. Such devices can operate in either a contact or contactlessmode. In some embodiments, a mobile device can function as a paymentdevice (e.g., a mobile device can store and be able to transmit paymentcredentials for a transaction).

A “credential” may be any suitable information that serves as reliableevidence of worth, ownership, identity, or authority. An “accesscredential” may be a credential that may be used to gain access to aparticular resource (e.g., a good, service, location, etc.). Acredential may be a string of numbers, letters, or any other suitablecharacters, or any object or document that can serve as confirmation.Examples of credentials include identification cards, certifieddocuments, access cards, passcodes and other login information, paymentaccount numbers, access badge numbers, payment tokens, access tokens,etc.

“Payment credentials” may include any suitable information associatedwith an account (e.g. a payment account and/or payment device associatedwith the account). Such information may be directly related to theaccount or may be derived from information related to the account.Examples of account information may include a PAN (primary accountnumber or “account number”), user name, expiration date, CVV (cardverification value), dCVV (dynamic card verification value), CVV2 (cardverification value 2), CVC3 card verification values, etc. Paymentcredentials may be any information that identifies or is associated witha payment account. Payment credentials may be provided in order to makea payment from a payment account. Payment credentials can also include auser name, an expiration date, a gift card number or code, and any othersuitable information.

An “application” may be computer code or other data stored on a computerreadable medium (e.g. memory element or secure element) that may beexecutable by a processor to complete a task.

A “digital wallet” can include an electronic device that allows anindividual to conduct electronic commerce transactions. A digital walletmay store user profile information, payment credentials, bank accountinformation, one or more digital wallet identifiers and/or the like andcan be used in a variety of transactions, such as but not limited toeCommerce, social networks, money transfer/personal payments, mobilecommerce, proximity payments, gaming, and/or the like for retailpurchases, digital goods purchases, utility payments, purchasing gamesor gaming credits from gaming websites, transferring funds betweenusers, and/or the like.

A “digital wallet provider” may include an entity, such as an issuingbank or third party service provider, that issues a digital wallet to auser that enables the user to conduct financial transactions. A digitalwallet provider may provide standalone user-facing software applicationsthat store account numbers, or representations of the account numbers(e.g., payment tokens), on behalf of a cardholder (or other user) tofacilitate payments at more than one unrelated merchant, performperson-to-person payments, or load financial value into the digitalwallet. A digital wallet provider may enable a user to access itsaccount via a personal computer, mobile device or access device.

A “token” may be a substitute value for a real credential. A token maybe a type of credential, and may be a string of numbers, letters, or anyother suitable characters. Examples of tokens include payment tokens,access tokens, personal identification tokens, etc.

A “payment token” may include an identifier for a payment account thatis a substitute for an account identifier, such as a primary accountnumber (PAN). For example, a token may include a series of alphanumericcharacters that may be used as a substitute for an original accountidentifier. For example, a token “4900 0000 0000 0001” may be used inplace of a PAN “4147 0900 0000 1234.” In some embodiments, a token maybe “format preserving” and may have a numeric format that conforms tothe account identifiers used in existing transaction processing networks(e.g., ISO 8583 financial transaction message format). In someembodiments, a token may be used in place of a PAN to initiate,authorize, settle or resolve a payment transaction or represent theoriginal credential in other systems where the original credential wouldtypically be provided. In some embodiments, a token value may begenerated such that the recovery of the original PAN or other accountidentifier from the token value may not be computationally derived.Further, in some embodiments, the token format may be configured toallow the entity receiving the token to identify it as a token andrecognize the entity that issued the token.

“Tokenization” is a process by which data is replaced with substitutedata. For example, a payment account identifier (e.g., a primary accountnumber (PAN)) may be tokenized by replacing the primary accountidentifier with a substitute number (e.g. a token) that may beassociated with the payment account identifier. Further, tokenizationmay be applied to any other information that may be replaced with asubstitute value (i.e., token). Tokenization may be used to enhancetransaction efficiency, improve transaction security, increase servicetransparency, or to provide a method for third-party enablement.

A “token provider” or “token service system” can include a system thatservices tokens. In some embodiments, a token service system canfacilitate requesting, determining (e.g., generating) and/or issuingtokens, as well as maintaining an established mapping of tokens toprimary account numbers (PANs) in a repository (e.g. token vault). Insome embodiments, the token service system may establish a tokenassurance level for a given token to indicate the confidence level ofthe token to PAN binding. The token service system may include or be incommunication with a token vault where the generated tokens are stored.The token service system may support token processing of paymenttransactions submitted using tokens by de-tokenizing the token to obtainthe actual PAN. In some embodiments, a token service system may includea tokenization computer alone, or in combination with other computerssuch as a transaction processing network computer.

A “token domain” may indicate an area and/or circumstance in which atoken can be used. Examples of the token domain may include, but are notlimited to, payment channels (e.g., e-commerce, physical point of sale,etc.), POS entry modes (e.g., contactless, magnetic stripe, etc.), andmerchant identifiers to uniquely identify where the token can be used. Aset of parameters (i.e. token domain restriction controls) may beestablished as part of token issuance by the token service provider thatmay allow for enforcing appropriate usage of the token in paymenttransactions. For example, the token domain restriction controls mayrestrict the use of the token with particular presentment modes, such ascontactless or e-commerce presentment modes. In some embodiments, thetoken domain restriction controls may restrict the use of the token at aparticular merchant that can be uniquely identified. Some exemplarytoken domain restriction controls may require the verification of thepresence of a token cryptogram that is unique to a given transaction. Insome embodiments, a token domain can be associated with a tokenrequestor.

“Token expiry date” may refer to the expiration date/time of the token.The token expiry date may be passed among the entities of thetokenization ecosystem during transaction processing to ensureinteroperability. The token expiration date may be a numeric value (e.g.a 4-digit numeric value). In some embodiments, the token expiry date canbe expressed as a time duration as measured from the time of issuance.

A “token request message” may be an electronic message for requesting atoken. A token request message may include information usable foridentifying a payment account or digital wallet, and/or information forgenerating a payment token. For example, a token request message mayinclude payment credentials, mobile device identification information(e.g. a phone number or MSISDN), a digital wallet identifier,information identifying a tokenization service provider, a merchantidentifier, a cryptogram, and/or any other suitable information.Information included in a token request message can be encrypted (e.g.,with an issuer-specific key).

A “token response message” may be a message that responds to a tokenrequest. A token response message may include an indication that a tokenrequest was approved or denied. A token response message may alsoinclude a payment token, mobile device identification information (e.g.a phone number or MSISDN), a digital wallet identifier, informationidentifying a tokenization service provider, a merchant identifier, acryptogram, and/or any other suitable information. Information includedin a token response message can be encrypted (e.g., with anissuer-specific key).

A “user” may include an individual. In some embodiments, a user may beassociated with one or more personal accounts and/or mobile devices. Theuser may also be referred to as a cardholder, account holder, orconsumer.

A “resource provider” may be an entity that can provide a resource suchas goods, services, information, and/or access. Examples of resourceproviders include merchants, access devices, secure data access points,etc. A “merchant” may typically be an entity that engages intransactions and can sell goods or services, or provide access to goodsor services.

An “acquirer” may typically be a business entity (e.g., a commercialbank) that has a business relationship with a particular merchant orother entity. Some entities can perform both issuer and acquirerfunctions. Some embodiments may encompass such single entityissuer-acquirers. An acquirer may operate an acquirer computer, whichcan also be generically referred to as a “transport computer”.

An “authorizing entity” may be an entity that authorizes a request.Examples of an authorizing entity may be an issuer, a governmentalagency, a document repository, an access administrator, etc. An “issuer”may typically refer to a business entity (e.g., a bank) that maintainsan account for a user. An issuer may also issue payment credentialsstored on a user device, such as a cellular telephone, smart card,tablet, or laptop to the consumer. An authorizing entity may operate anauthorizing computer.

An “access device” may be any suitable device that provides access to aremote system. An access device may also be used for communicating witha merchant computer, a transaction processing computer, anauthentication computer, or any other suitable system. An access devicemay generally be located in any suitable location, such as at thelocation of a merchant. An access device may be in any suitable form.Some examples of access devices include POS or point of sale devices(e.g., POS terminals), cellular phones, PDAs, personal computers (PCs),tablet PCs, hand-held specialized readers, set-top boxes, electroniccash registers (ECRs), automated teller machines (ATMs), virtual cashregisters (VCRs), kiosks, security systems, access systems, and thelike. An access device may use any suitable contact or contactless modeof operation to send or receive data from, or associated with, a usermobile device. In some embodiments, where an access device may comprisea POS terminal, any suitable POS terminal may be used and may include areader, a processor, and a computer-readable medium. A reader mayinclude any suitable contact or contactless mode of operation. Forexample, exemplary card readers can include radio frequency (RF)antennas, optical scanners, bar code readers, or magnetic stripe readersto interact with a payment device and/or mobile device. In someembodiments, a cellular phone, tablet, or other dedicated wirelessdevice used as a POS terminal may be referred to as a mobile point ofsale or an “mPOS” terminal.

An “authorization request message” may be an electronic message that issent to request authorization for a transaction. In some embodiments, anauthorization request message may be an electronic message that is sentto a payment processing network and/or an issuer of a payment card torequest authorization for a transaction. An authorization requestmessage according to some embodiments may comply with ISO 8583, which isa standard for systems that exchange electronic transaction informationassociated with a payment made by a consumer using a payment device orpayment account. The authorization request message may include an issueraccount identifier that may be associated with a payment device orpayment account. An authorization request message may also compriseadditional data elements corresponding to “identification information”including, by way of example only: a service code, a CVV (cardverification value), a dCVV (dynamic card verification value), anexpiration date, etc. An authorization request message may also comprise“transaction information,” such as any information associated with acurrent transaction, such as the transaction amount, merchantidentifier, merchant location, etc., as well as any other informationthat may be utilized in determining whether to identify and/or authorizea transaction.

An “authorization response message” may be an electronic message replyto an authorization request message. It may be generated by an issuingfinancial institution or a payment processing network. The authorizationresponse message may include, by way of example only, one or more of thefollowing status indicators: Approval—transaction was approved;Decline—transaction was not approved; or Call Center—response pendingmore information, merchant must call the toll-free authorization phonenumber. The authorization response message may also include anauthorization code, which may be a code that a credit card issuing bankreturns in response to an authorization request message in an electronicmessage (either directly or through the payment processing network) tothe merchant's access device (e.g. POS equipment) that indicatesapproval of the transaction. The code may serve as proof ofauthorization. As noted above, in some embodiments, a payment processingnetwork may generate or forward the authorization response message tothe merchant.

A “server computer” is typically a powerful computer or cluster ofcomputers. For example, the server computer can be a large mainframe, aminicomputer cluster, or a group of servers functioning as a unit. Inone example, the server computer may be a database server coupled to aWeb server.

A “processor” may refer to any suitable data computation device ordevices. A processor may comprise one or more microprocessors workingtogether to accomplish a desired function. The processor may include CPUcomprises at least one high-speed data processor adequate to executeprogram components for executing user and/or system-generated requests.The CPU may be a microprocessor such as AMD's Athlon, Duron and/orOpteron; IBM and/or Motorola's PowerPC; IBM's and Sony's Cell processor;Intel's Celeron, Itanium, Pentium, Xeon, and/or XScale; and/or the likeprocessor(s).

A “memory” may be any suitable device or devices that can storeelectronic data. A suitable memory may comprise a non-transitorycomputer readable medium that stores instructions that can be executedby a processor to implement a desired method. Examples of memories maycomprise one or more memory chips, disk drives, etc. Such memories mayoperate using any suitable electrical, optical, and/or magnetic mode ofoperation.

A “device code” may be a code that is specifically associated with adevice (e.g., only one device). The device code can be derived from anydevice specific information including, but not limited to include one ormore of a secure element identifier (SE ID), an IMEI number, a phonenumber, a geo-location, a device serial number, a device fingerprint,etc. Such codes may be derived from such information using any suitablemathematical operation including hashing and/or encryption. Device codesmay include any suitable number and/or type of characters.

An “authorization code” may be a code that can approve of a certainactivity, if valid. Authorization codes may include any suitable numberand/or type of characters. In some embodiments, the authorization codemay be generated by one entity (e.g., an issuer) and then validated byanother entity (e.g., a provisioning server computer). The authorizationcode may be derived from any suitable type or combination of data. Forexample, in some embodiments, an authorization code may be derived froma credential such as a PAN (or a precursor to the credential or aderivative thereof), the device code, and an authorizing entityidentifier (e.g., an issuer identifier or an identifier for anauthorizing computer).

FIG. 1 shows an exemplary system 100 according to an embodiment of theinvention. The system 100 may include a mobile device 10, which cancommunicate with a digital wallet server computer 60. The digital walletserver computer 60 may be in communication with an access credentialprovisioning server computer 80. The access credential provisioningserver computer 80 as well as an authorization computer 40 may be incommunication with the mobile device 10. The computers 40, 60, and 80may be implemented as cloud-based or non-cloud-based systems.

Messages between the computers, networks, and devices in FIG. 1 (as wellas in FIG. 2) may be transmitted using a secure communications protocolssuch as, but not limited to, File Transfer Protocol (FTP); HyperTextTransfer Protocol (HTTP); Secure Hypertext Transfer Protocol (HTTPS),Secure Socket Layer (SSL), ISO (e.g., ISO 8583) and/or the like.

Some methods according to embodiments of the invention can be describedwith reference to FIGS. 1 and 6. In embodiments of the invention, a user(not shown) may wish to provision a mobile device 10 with one or moreaccess credentials. In some embodiments, the one or more accesscredentials may be one or more payment credentials such as one or morepayment tokens (and their associated data such as expiration dates,crytograms, etc.).

The user may first interact with a first application 20A on the mobiledevice 10 to start the process for provisioning access credentials tothe mobile device 10. The first application 20A may be, for example, adigital wallet application which may be specifically associated with thedigital wallet server computer 60. To start the process, the user may beprompted for authentication data and may enter authentication data(e.g., a username and password) into the first application 20A.

Then, in step S1, once the first application 20A has authenticated theuser, the mobile device 10 may transmit a provisioning request to thedigital wallet server computer 60. The provisioning request may be inthe form of a token request message. In some embodiments, theprovisioning request may include a primary account identifier (a “PAN”)for a payment account and/or a mobile phone number for the mobile device10. It may also optionally include any information that may be needed bythe provisioning server computer 80 to generate a device code. In somecases, the payment account identifier may be specifically associatedwith a payment device such as a payment card. The provisioning requestmay request an access credential such as a payment token associated withthe primary account identifier.

After the digital wallet server 60 receives the provisioning request,the digital wallet server computer 60 may verify the provisioningrequest. Verification can occur in any suitable manner. For example, ifthe provisioning request includes an account identifier and/or a phonenumber (e.g., or device data), the digital wallet server 60 maydetermine if it recognizes one or both of these, and/or if thecircumstances surrounding the request might otherwise indicate that thetransmission is not authentic. If the provisioning request is valid, instep S2, the digital wallet server computer 60 may forward it to theaccess credential provisioning server computer 80.

After the access credential provisioning server computer 80 receives theprovisioning request, it may determine whether or not the riskassociated with provisioning exceeds a predetermined threshold. In thisregard, the access credential provisioning server computer 80 cananalyze the PAN and any other data (e.g., a device ID) coming from themobie device 10. For example, the provisioning server computer 80 maycheck the PAN to see if it has been reported stolen or has been involvedin suspect transactions. If it does not exceed the predeterminedthreshold, then the mobile device 10 can be provisioned with the one ormore access credentials over the air as shown by step S12. If it doesexceed the predetermined threshold, then an additional authenticationprocess may be performed.

The additional authentication process may also include any suitableauthentication steps. In some embodiments, the user may be instructed tolog into an account associated with the authorizing entity associatedwith the authorization computer 40, or otherwise provide authenticationdata to the authorizing entity (e.g., an issuer). For example, in stepS3, the access credential provisioning server computer 80 may transmit amessage back to the digital wallet server computer 60, or directly tothe mobile device 10. In step S4, after receiving the message from theaccess credential provisioning server computer 80, the digital walletserver computer 60 may transmit the message back to the mobile device10. The message may include an instruction or direction for the mobiledevice 10 or the user of the mobile device 10 to contact theauthorization computer 40.

Embodiments of the invention may also utilize a device code, which isobtained by the mobile device 10 and is eventually provided to theauthorization computer 40 so that the authorization computer 40 cangenerate an authorization code. The device code may be derived from datathat is specifically associated with the mobile device 10. The devicecode can be used by the access credential provisioning server computer80 to verify that the mobile device 10 can be provisioned with therequested access credentials.

In some embodiments, the message that is transmitted from the accessprovisioning server computer 80 to the mobile device 10 may include thedevice code. There can be a number of different options for providingthe device code to the mobile device 10. In one option, the device codecould be appended to a URL (e.g., as a parameter) in a link for the userto select. The user may select the link using the browser on the mobiledevice 10 and may be directed to a host site on the authorizationcomputer 40. The host site may be the user's online banking website,which may be run on the authorization computer 40. In another option,the device code may be displayed to the user on the mobile device 10,and the user may be manually enter the device code into a secondapplication 20B associated with the authorization computer 40, or thehost site associated with the authorization computer 40. In someembodiments, the device code may be short enough (e.g., 6 decimaldigits) so that it is simple for the user to remember and enter into thesecond application 20B and/or the host site (e.g., an online bankingwebsite) associated with the authorization computer 40.

In some embodiments, the access credential provisioning server computer80 may include a token service provider system including a token vault.The token provider system may generate the device code from dataelements that the token vault knows about the mobile device 10. Somenon-limiting examples of such data elements include a secure elementidentifier (SE ID), an IMEI number, a phone number, a geo-location, adevice serial number, etc. The access credential provisioning servercomputer 80 may have received this information from the user and/or themobile device 10 before the provisioning request was transmitted by themobile device 10. Alternatively, this information may have been providedto the access credential provisioning server computer 80 in theprovisioning request. The authorization computer 40 operated by theissuer may not have to know which data elements have been used for thecalculation of the device code, or even how the device code wascalculated.

In other embodiments of the invention, the device code may be generatedby the mobile device 10 instead of being received from the accesscredential provisioning server computer 80. The mobile device 10 or anapplication on the mobile device 10 (e.g., a wallet providerapplication, O/S, or device setting applications on the mobile device10) may generate the device code, using any device specific dataelements. However, the mobile device 10 may use the data elements thatare available and known to the provisioning server computer 80, sincethe provisioning server computer 80 may have to regenerate the devicecode. In this case, the provisioning server computer 80 and the mobiledevice 10 may share the information needed to generate the device code.

Depending on how the authorization computer 40 operated by the issuer isset up, instructions may come in different forms. In a first example, aURL may be provided, with dynamic elements calculated on the mobiledevice 10 (e.g. from a wallet provider application, O/S, device settingsapplication, etc.) and/or access credential provisioning server computer80. The user may click on the URL, thereby opening an online bankinglogin prompt with extra data being transferred to the authorizationcomputer 40 operated by the issuer. That extra data can then be used bythe authorization computer 40 after the user has logged in. In a secondexample, the URL may be static and the user may manually enter anydynamic data into any appropriate fields, once the user is logged intothe online banking session.

In step S5, the device code is obtained as described above (e.g., eitherby generating it or by receiving it from the access credentialprovisioning server computer 80).

In step S6, after the mobile device 10 obtains the device code, thedevice code may be provided to the authorization computer 40. In someembodiments, the device code may be manually or automatically enteredinto the second application 20B on the mobile device 10. In otherembodiments, the use of a dedicated specific application is notnecessary and the mobile device 10 may have a browser which can contactthe authorization computer 40. In step S7, the device code may betransmitted to the authorization computer 40.

In step S8, after the authorization computer 40 obtains the device code,the authorization computer 40 may generate an authorization code. Theuser may log into the authorization computer 40 (i.e., either through abrowser or through the second application 20B). In some cases, the usermay need to identify to the authorization computer 40 which primaryaccount number that the user wishes to provision to the mobile phone 10.

The authorization code may be generated in any suitable manner. In someembodiments, the authorization computer 40, which is operated on behalfof an issuer, may then calculate the authorization code. Theauthorization code may identify the authorizing entity (e.g., theissuer), the mobile device, and the PAN (or its associated token) toprovision. The authorization code may authorize the provisioning of atoken for that particular PAN on the mobile device 10, for that issuer.

In one embodiment for generating the authorization code, theauthorization computer 40 operated by the issuer may share acryptographic secret key with the access credential provisioning servercomputer 80. In this variation, the device code and the PAN may beoptionally concatenated together with a UTC date and time, and thenprocessed by an algorithm such as a MAC (message authorization code)algorithm. The MAC algorithm may be an ISO approved MAC function, suchas for example, CBC-MAC, H-MAC or CMAC, using either TDES or AES as theunderlying encryption algorithm. In the case of using H-MAC, the issuermay utilize an appropriate hash function, such as SHA-2 or SHA-3. TheMAC result (e.g., 8 bytes if TDES is used as encryption algorithm, 16bytes if AES is used, etc.) may then be converted to N digits (e.g., orcharacters, if the issuer decides to use alpha-numeric characters),where N is an issuer chosen parameter. The parameter N may be chosen sothat the resulting number or text string may be easily entered by theuser, while not being susceptible to guessing by a fraudster. Forexample, N=6 or N=8 may be reasonable choices in some embodiments of theinvention. The authorization code may then be the N digits orcharacters.

The authorization code may then be displayed for the user, and the usermay be instructed to enter it in the provisioning session. The accesscredential provisioning server computer 80, which may include a tokenvault, may re-calculate the authorization code and may validate it.

There are many ways of converting hex numbers to decimal oralpha-numeric numbers. For optimal security, such a conversion may bedone without bias, so that every possibility is equally likely. See, forexample, U.S. patent application Ser. No. 12/202,978 (U.S. PatentPublication No. 20090063354), which is herein incorporated by referencein its entirety for all purposes.

In another variation, the device code, the PAN, the shared secret, and asalt (e.g., other random data available to the provisioning servercomputer 80 and the mobile device 10), may be input into a one-wayfunction. The result may be truncated and decimalized to N digits orcharacters, and the N digits or characters can be the authorizationcode. An example of implementing the one-way function may be toconcatenate the data elements and hash them with an appropriate hashfunction. Another example may be to concatenate the device code and thePAN and use the keyed hash function (e.g., H-MAC) using the sharedsecret as a key.

As a preparatory step applicable for both variations described above,the authorization computer 40 may share a secret (e.g., a cryptographickey or a shared secret) with the provisioning server computer 80. Theauthorization computer 40 may then use standard mechanisms to share thisdata. For example, the authorization computer 40 may generate it andsend it to the provisioning server computer 80 encrypted using a keyencrypting key, have the provisioning server computer 80 generate it andsend it to the issuer encrypted under a key encrypting key, or usemanual distribution methods.

In some embodiments, the user may use the authorization code in theprovisioning session.

In one embodiment, in a provisioning session that starts from an onlinebanking session, one option may be for the authorization computer 40 touse the public key of the provisioning server computer 60 to transmitthe authorization code to the provisioning server computer 80 for aparticular combination of the PAN, mobile device, and authorizing entity(e.g., an issuer). This case may differ from those described above insome ways. For example, this may not be a step-up scenario, but may bedone at the time of initial provisioning request. Also, the user may notbe manually entering the authorization code, since the authorizationcode may be encrypted using a public key. For this reason, the hashingof the data that constitutes the authorization code is motivated bycutting down the size of the data rather than protecting itsconfidentiality or integrity. The public key encryption process may doboth.

In some embodiments, in order to prevent a rogue entity from creatingsuch a message (since in principle a public key is public), theauthorization computer 40 may put unique information into the messagetogether with the shared secret (e.g., a passphrase) for theprovisioning server computer 80, so that the same kind of message maynot be generated. In other embodiments, the unique information could bea counter, timestamp, etc.

In step S9, after the authorization computer generates the authorizationcode, the authorization computer 40 may send the authorization code tothe mobile device 10.

In step S10, after the mobile device 10 receives the authorization code,the mobile device 10 may send the authorization code to the digitalwallet server computer 60.

In step S11, the digital wallet server computer 60 may provide theauthorization code to the access credential provisioning server computer80. After receiving the authorization code, the access credentialprovisioning server computer 80 can then validate the authorizationcode. The validation can occur in any suitable manner. For example, theaccess credential provisioning server computer 80 may validate theauthorization code by recreating the authorization code and comparingthe recreated code with the received code. In other embodiments, theprovisioning server computer 80 may validate the authorization code byextracting elements such as the device code, and optionally anycredentials or authorization computer or authorizing entity identifiersfrom the authorization code, and comparing those extracted elements withelements that have been previously obtained by the provisioning servercomputer 80.

In step S12, if the authorization code is validated by the provisioningserver computer 80, the access credential provisioning server computer80 provisions the mobile device 10 with the one or more accesscredentials over the air. Once provisioned, the mobile device 10 maythen be configured to provide the one or more access credentials to anaccess device to gain access to a resource (e.g., a location, good orservice, etc.).

FIG. 2 shows another system according to an embodiment of the invention.A method using the system in FIG. 2 can be described with reference toFIG. 7.

The system in FIG. 2 is similar to the system in FIG. 1 (which likereference numbers designated like elements), except that a separatecommunication device 12 may be used to communicate with theauthorization computer 40, instead of using the mobile device 10 to doso. The communication device 12 could by any suitable device including atable, laptop or desktop computer, which is physically separate from themobile device 10.

In FIG. 2, steps S31, S32, S33, S34 and S35 are analogous to steps S1,S2, S3, S4, S5 in FIG. 1. The descriptions of analogous steps need notbe repeated herein and the descriptions above are incorporated herein.

After the device code is obtained in step S35, as described above instep S5, the user may provide (e.g., enter) the device code to thecommunication device 12 instead of the mobile device 10 as in theembodiment described above with respect to FIG. 1.

In step S36, after the communication 12 obtains the device code, thedevice code may be provided to the authorization computer 40. In someembodiments, the device code may be manually or automatically enteredinto the second application 20B in the communication device 12. Manualentry may be accomplished by simply keying or speaking the device codeinto the communication device 12. Automatic entry of the device codeinto the mobile device 10 can occur by electrically connecting themobile device 10 and the communication device 12 (e.g., via a shortrange connection such as Bluetooth™. In other embodiments, the use of adedicated specific application is not necessary and the mobile device 10may have a browser which can contact a host site running on theauthorization computer 40. In step S37, the device code may betransmitted to the authorization computer 40 by the communication device12.

In step S38, after the authorization computer 40 obtains the devicecode, the authorization computer 40 may generate an authorization code.The user may log into the authorization computer 40 (i.e., eitherthrough a browser or through the second application 20B). In some cases,the user may need to identify which primary account number that the userwishes to provision.

In step S39, after the authorization computer generates theauthorization code, the authorization computer 40 may send theauthorization code to the communication device 12, or possibly directlyto the mobile device 10. If the authorization code is sent to thecommunication device 12, then the user will need to enter it into themobile device 10. This can be done manually or automatically (e.g., viaBluetooth™, a QR code, etc.).

In step S40, after the mobile device 10 receives the authorization code,the communication device 12 may send the authorization code to thedigital wallet server computer 60.

In step S41, the digital wallet server computer 60 may provide theauthorization code to the access credential provisioning server computer80. After receiving the authorization code, the access credentialprovisioning server computer 80 can then validate the authorizationcode.

In step S42, if the authorization code is validated by the provisioningserver computer 80, the access credential provisioning server computer80 provisions the mobile device 10 with the access credential over theair. Once provisioned, the mobile device 10 may then be configured toprovide the one or more access credentials to an access device to gainaccess to a resource (e.g., a location, good or service, etc.).

Additional details regarding steps S37, S38, S39, S40, S41, and S42 canbe found above with reference to steps S7, S8, S9, S10, S11, and S12.

FIG. 3 shows a block diagram of a mobile device 10 according to anembodiment of the invention. In some embodiments, the mobile device 10may be a payment device that can be used to make payments or a devicewhich can allow a user to gain access to a location. The exemplarymobile device 10 may comprise a computer readable medium 10B that can bepresent within the body 10H of the mobile device 10. The computerreadable medium 10B may be in the form of a memory that stores data. Insome cases, the memory 10B may also store information such as accesscredentials. In general, any of this information may be transmitted bythe mobile device 10 to another device, using any suitable method,including the use of antenna 10A or contactless element 10G. The body10H may be in the form a plastic substrate, housing, or other structure.

The computer readable medium 10B may comprises code, executable by theprocessor for implementing a method comprising providing a device codeto an authorization computer, wherein the authorization computerthereafter generates an authorization code using at least the devicecode, receiving the authorization code, providing the authorization codeto an access credential provisioning server computer, and receiving acredential, wherein the mobile device is configured to provide thecredential to an access device to gain access to a resource.

In some embodiments, the mobile device 10 may further include acontactless element 10G, which is typically implemented in the form of asemiconductor chip (or other data storage element) with an associatedwireless transfer (e.g., data transmission) element, such as an antenna.Contactless element 10G may be coupled to (e.g., embedded within) themobile device 10 and data or control instructions that are transmittedvia a cellular network may be applied to the contactless element 10G bymeans of a contactless element interface (not shown). Contactlesselement 10G may be capable of transferring and receiving data using ashort range wireless communication capability. As noted above, mobiledevice 10 may comprise components to both be the interrogator device(e.g. receiving data) and the interrogated device (e.g. sending data).Thus, the mobile device 10 may be capable of communicating andtransferring data or control instructions via both cellular network (orany other suitable wireless network—e.g. the Internet or other datanetwork) and short range communications.

The mobile device 10 may also include a processor 10C (e.g., amicroprocessor) for processing the functions of the mobile device 10 anda display 10D to allow a consumer to see phone numbers and otherinformation and messages. The mobile device 10 may further include inputelements 10E to allow a user to input information into the device, aspeaker 10F to allow the user to hear voice communication, music, etc.,and a microphone 10I to allow the user to transmit his or her voicethrough the mobile device 10. The mobile device 10 may also include anantenna 10A for wireless data transfer (e.g., data transmission).

A memory 20 may be coupled to the processor 10C and may store a firstapplication 20A and a second application 20B. The memory 20 may be inthe form of one or more memory devices (e.g., RAM, EEPROM, ROM chips),using any suitable mode of data storage. In some embodiments, the memory20 in the mobile device 10 may also include a secure storage area forstoring sensitive data such as payment credentials (account numbers,payment tokens, verification values, etc.) and access credential. Forexample, the memory 20 may be part of or may contain a secure element.

The first application 20A may be associated with an entity such as thedigital wallet server computer 60. The first application 20A isgenerally less trusted by the authorizing entity that operates theauthorization computer, since the first application 20A was notdeveloped by the authorizing entity. Examples of first applications mayinclude digital wallet applications, merchant applications, fitnessapplications, and any other suitable application that may be present onthe mobile device 10.

In some embodiments, the second application 20B is an application thatis specifically associated with the authorization computer 40 and isgenerally trusted by the authorizing entity associated with theauthorization computer 40. The second application 20B may be, forexample, an issuer application such as a mobile banking application.Such applications are generally designed by the authorizing entity andcan include data security measures that are specifically required by theauthorizing entity.

FIG. 4 shows a block diagram of an authorization computer 40 accordingto an embodiment of the invention. FIG. 4 shows a server computer 40Aand an account data database 40B coupled to the server computer 40A.

The account data database 40B may hold accounts of various users thatare affiliated with the authorizing entity associated with theauthorization computer. For example, the authorizing entity may be anissuer bank and the database 40B may store account information forcredit and debit card accounts for its customers.

The database 40B (as well as any other database described herein) may bea conventional, fault tolerant, relational, scalable, secure databasesuch as Oracle™ or Sybase™. The database 1204 may be implemented usingvarious standard data-structures, such as an array, hash, (linked) list,structured text file (e.g., XML), table, and/or the like. Suchdata-structures may be stored in memory and/or in (structured) files.

The server computer 40A may comprise a processor 41, which may becoupled to a system memory 42 and an external communication interface43. A computer readable medium 44 may also be operatively coupled to theprocessor 41.

The computer readable medium 44 may comprise a number of softwaremodules including a communication module 44A, an encryption module 44B,a database update module 44C, an authorization code generation module44D, an authorization module 44E, and a validation module 44F.

The communication module 44A may comprise code that causes the processor41 to generate messages, forward messages, reformat messages, and/orotherwise communicate with other entities.

The encryption module 44B may include any suitable encryption algorithmsto encrypt data in embodiments of the invention. Suitable dataencryption algorithms may include DES, triple DES, AES, etc. It may alsostore encryption keys that can be used with such encryption algorithms.The encryption module 44B may utilize symmetric or asymmetric encryptiontechniques to encrypt and/or verify data.

The database update module 44C may work in conjunction with theprocessor 41 to update account information in the account data database40B.

The authorization code generation module 44D may comprise computer code,which when executed by the processor 41, generates an authorizationcode. Specific authorization code generation processes are describedabove.

The authorization module 44E may comprise code that can cause theprocessor 41 to evaluate authorization request messages for transactionsand determine if the transactions should be authorized. Suchtransactions may be authorized or declined based upon a number offactors including the level of potential fraud and/or the amount offunds or credit associated with the accounts being used to conduct thetransactions.

The validation module 44F may comprise code, which causes the processor41 to validate authentication credentials received from a user's mobiledevice. The validation module 44F may include code for causing theprocessor 41 to retrieve data from the database 40B and compare it toreceived data.

In some embodiments, the computer readable medium 44 may comprise code,executable by the processor to implement a method comprising: receivinga device code from a mobile device or a communication device operated bya user; generating an authorization code using the device code; andtransmitting the authorization code to the mobile device or thecommunication device. The authorization code is provided by the user toa provisioning server computer, which verifies the authorization codeand provisions the mobile device with access credentials.

FIG. 5 shows a block diagram of an access credential provisioning servercomputer 80 according to an embodiment of the invention. The accesscredential provisioning server computer 80 may also comprise a tokenservice system comprising a token vault and may be in a paymentprocessing network in some embodiments of the invention. The accesscredential provisioning server computer 80 may comprise a processor 81,which may be coupled to a system memory 82 and an external communicationinterface 83. A computer readable medium 84 may also be operativelycoupled to the processor 81.

In some embodiments, the validation computer 80 may be part of a paymentprocessing network that switches transaction request and responsesbetween issuers and acquirers. A payment processing network may be atransaction processing network. A transaction processing network mayprocess payment transactions or other types of access transactions.

The computer readable medium 84 may comprise a number of softwaremodules including a communication module 84A, an authorization codeverification module 84B, a device code module 84C, a token module 84D,and a device and account database 84E.

The communication module 84A may comprise code that causes the processor81 to generate messages, forward messages, reformat messages, and/orotherwise communicate with other entities.

The authorization code verification module 84B may comprise code thatcauses the processor 81 to determine an authorization code, and/orreceive an authorization code and determine if it is valid (as describedabove).

The device code module 84C may comprise code that causes the processor81 to generate a device code as described above. The device code module84C and the processor 81 may also be used to determine the data elementsthat may have been used to form the device code.

The token module 84D may comprise code that can cause the processor 81to generate or otherwise obtain access tokens. In some embodiments,tokens may be mathematically derived from real credentials such as PANs,while in other embodiments, tokens may have no mathematical relationshipwith real credentials. In the latter case, tokens may be obtained by thetoken module 84D and the processor 81 by looking up tokens that arespecifically assigned to real credentials.

The device and account database 84E may store data including accountinformation, device information, and any other information pertinent toa particular user. Database 84E may store information including useraccount information, information about devices that may be associatedwith the user account information, device codes, information used toform the device codes, etc.

Once a mobile device 10 is provisioned with access credentials, it canbe used to conduct various types of transactions including paymenttransactions, data access transactions, transit transactions, andphysical access transactions. FIGS. 8 and 9 show two exemplary uses fora mobile device 10 that is provisioned with access credentials.

FIG. 8 shows a block diagram of a building access system. FIG. 8 shows amobile device 110 operated by a user 106. The mobile device 110 has beenprovisioned with access credentials as described above. The mobiledevice 110 can interact with the access device 120 and pass accesscredentials to the access device 120. The access device 120 may locallyverify the received access credentials or it may communicate with aremotely located authentication server computer (not shown). Theremotely located authentication server computer may verify that theaccess credentials are authentic and may transmit a signal indicatingthis back to the access device 120. The access device 120 may thenproceed to let the user 106 enter the building 130.

FIG. 9 shows a block diagram of a transaction processing system that canuse a mobile device with access credentials. FIG. 9 shows a user 206that can operate a mobile device 210. The user 206 may use the mobiledevice 210 to pay for a good or service at a merchant. The merchant mayoperate a merchant computer 230 and/or an access device 220. Themerchant may communicate with an issuer computer 260 via an acquirercomputer 240 and a payment processing network 250.

The payment processing network 250 may include data processingsubsystems, networks, and operations used to support and deliverauthorization services, exception file services, and clearing andsettlement services. An exemplary payment processing network may includeVisaNet™. Payment processing networks such as VisaNet™ are able toprocess credit card transactions, debit card transactions, and othertypes of commercial transactions. VisaNet™, in particular, includes aVIP system (Visa Integrated Payments system) which processesauthorization requests and a Base II system which performs clearing andsettlement services. The payment processing network may use any suitablewired or wireless network, including the Internet.

A typical payment transaction flow using a mobile device 210 at anaccess device 220 (e.g. POS location) can be described as follows. Auser 206 presents his or her mobile device 210 to an access device 220to pay for an item or service. The mobile device 210 and the accessdevice 220 interact such that one or more access credentials from themobile device 210 (e.g. PAN, a payment token, verification value(s),expiration date, etc.) are received by the access device 220 (e.g. viacontact or contactless interface). The merchant computer 230 may thengenerate an authorization request message that includes the informationreceived from the access device 220 (i.e. information corresponding tothe mobile device 210) along with additional transaction information(e.g. a transaction amount, merchant specific information, etc.) andelectronically transmits this information to an acquirer computer 240.The acquirer computer 240 may then receive, process, and forward theauthorization request message to the issuer computer 260 via the paymentprocessing network 250 for authorization. The issuer computer 260 mayreply with an authorization response message. The authorization responsemessage may be transmitted from the issuer computer 260 to the accessdevice 220 via the merchant computer 230, the acquirer computer 240, andthe payment processing network 250.

At the end of the day or at some other suitable time interval, aclearing and settlement process between the acquirer computer 240, thepayment processing network 250, and the issuer computer 260 may beperformed on the transaction.

The devices and computers according to embodiments of the invention mayincorporate a number of subsystems. The subsystems may be interconnectedvia a system bus. Additional subsystems such as a printer, keyboard,fixed disk (or other memory comprising computer readable media),monitor, which is coupled to display adapter, and others are shown.Peripherals and input/output (I/O) devices, which couple to I/Ocontroller (which can be a processor or other suitable controller), canbe connected to the computer system by any number of means known in theart, such as serial port. For example, serial port or external interfacecan be used to connect the computer apparatus to a wide area networksuch as the Internet, a mouse input device, or a scanner. Theinterconnection via system bus allows the central processor tocommunicate with each subsystem and to control the execution ofinstructions from system memory or the fixed disk, as well as theexchange of information between subsystems. The system memory and/or thefixed disk may embody a computer readable medium. In some embodiments,the monitor may be a touch sensitive display screen.

A computer system can include a plurality of the same components orsubsystems, e.g., connected together by external interface or by aninternal interface. In some embodiments, computer systems, subsystem, orapparatuses can communicate over a network. In such instances, onecomputer can be considered a client and another computer a server, whereeach can be part of a same computer system. A client and a server caneach include multiple systems, subsystems, or components.

It should be understood that any of the embodiments of the presentinvention can be implemented in the form of control logic using hardware(e.g. an application specific integrated circuit or field programmablegate array) and/or using computer software with a generally programmableprocessor in a modular or integrated manner. As used herein, a processorincludes a single-core processor, multi-core processor on a sameintegrated chip, or multiple processing units on a single circuit boardor networked. Based on the disclosure and teachings provided herein, aperson of ordinary skill in the art will know and appreciate other waysand/or methods to implement embodiments of the present invention usinghardware and a combination of hardware and software.

Any of the software components or functions described in thisapplication may be implemented as software code to be executed by aprocessor using any suitable computer language such as, for example,Java, C, C++, C#, Objective-C, Swift, or scripting language such as Perlor Python using, for example, conventional or object-orientedtechniques. The software code may be stored as a series of instructionsor commands on a computer readable medium for storage and/ortransmission, suitable media include random access memory (RAM), a readonly memory (ROM), a magnetic medium such as a hard-drive or a floppydisk, or an optical medium such as a compact disk (CD) or DVD (digitalversatile disk), flash memory, and the like. The computer readablemedium may be any combination of such storage or transmission devices.

Such programs may also be encoded and transmitted using carrier signalsadapted for transmission via wired, optical, and/or wireless networksconforming to a variety of protocols, including the Internet. As such, acomputer readable medium according to an embodiment of the presentinvention may be created using a data signal encoded with such programs.Computer readable media encoded with the program code may be packagedwith a compatible device or provided separately from other devices(e.g., via Internet download). Any such computer readable medium mayreside on or within a single computer product (e.g. a hard drive, a CD,or an entire computer system), and may be present on or within differentcomputer products within a system or network. A computer system mayinclude a monitor, printer, or other suitable display for providing anyof the results mentioned herein to a user.

The above description is illustrative and is not restrictive. Manyvariations of the invention will become apparent to those skilled in theart upon review of the disclosure. The scope of the invention should,therefore, be determined not with reference to the above description,but instead should be determined with reference to the pending claimsalong with their full scope or equivalents.

One or more features from any embodiment may be combined with one ormore features of any other embodiment without departing from the scopeof the invention.

A recitation of “a”, “an” or “the” is intended to mean “one or more”unless specifically indicated to the contrary.

All patents, patent applications, publications, and descriptionsmentioned above are herein incorporated by reference in their entiretyfor all purposes. None is admitted to be prior art.

What is claimed:
 1. A method comprising: providing, by a secondapplication on a mobile device or on a communication device, a devicecode to an authorization computer, wherein the authorization computerthereafter generates an authorization code using at least the devicecode and a primary account number, wherein the device code is derivedfrom a device identifier that specifically identifies the mobile device;receiving, by the second application on the mobile device or on thecommunication device, the authorization code; providing, by a firstapplication on the mobile device, the authorization code to an accesscredential provisioning server computer; and receiving, by the firstapplication on the mobile device from the access credential provisioningserver computer, an access credential associated with the primaryaccount number, wherein the mobile device is capable of providing theaccess credential to an access device to conduct a payment transaction,and wherein the method further comprises: receiving, by the mobiledevice, the device code from the access credential provisioning servercomputer, after a user attempts to obtain the access credential bycommunicating with the access credential provisioning server computer.2. The method of claim 1, wherein the authorization code is derived fromthe device code.
 3. The method of claim 1, further comprising:generating, by the mobile device, the device code.
 4. The method ofclaim 1, further comprising: receiving, by the mobile device, aninstruction to contact the authorization computer.
 5. The method ofclaim 1, wherein the access credential comprises a token.
 6. The methodof claim 1, wherein the authorization code is derived from the accesscredential, a precursor to the access credential, or a derivativethereof, and the device code.
 7. The method of claim 1, wherein theaccess credential is a payment token.
 8. The method of claim 7, whereinthe payment token has 16 digits.
 9. The method of claim 7, wherein theaccess device is a POS terminal which generates an authorization requestmessage comprising the payment token and transmits the authorizationrequest message to the authorization computer for authorization.
 10. Amobile device comprising: a processor; an antenna coupled to theprocessor; and a computer readable medium coupled to the processor, thecomputer readable medium comprising code, executable by the processor toimplement a method comprising providing, by a second application, adevice code to an authorization computer, wherein the authorizationcomputer thereafter generates an authorization code using at least thedevice code and a primary account number, wherein the device code isderived from a device identifier that specifically identifies the mobiledevice, receiving, by the second application, the authorization code,providing, by a first application, the authorization code to an accesscredential provisioning server computer, and receiving, by the firstapplication, an access credential associated with the primary accountnumber, wherein the mobile device is capable of providing the accesscredential to an access device to conduct a payment transaction, andwherein the method further comprises: receiving, by the mobile device,the device code from the access credential provisioning server computer,after a user attempts to obtain the access credential by communicatingwith the access credential provisioning server computer.
 11. The mobiledevice of claim 10, wherein the authorization code is derived from thedevice code.
 12. The mobile device of claim 10, wherein the methodfurther comprises: generating the device code.
 13. The mobile device ofclaim 10, wherein the method further comprises: receiving an instructionto contact the authorization computer.
 14. The mobile device of claim10, wherein the access credential is a token.
 15. The mobile device ofclaim 10, wherein the mobile device is a mobile phone.
 16. A methodcomprising: receiving, by a server computer, a device code from a secondapplication on a mobile device or on a communication device operated bya user, wherein the device code is derived from a device identifier thatspecifically identifies the mobile device; generating, by the servercomputer, an authorization code using the device code and a primaryaccount number; and transmitting, by the server computer, theauthorization code to the second application on the mobile device or onthe communication device, wherein the authorization code is provided bythe user to a provisioning server computer, which verifies theauthorization code and provisions the mobile device with one or moreaccess credentials to a first application on the mobile device, whereinthe mobile device is capable of providing the one or more accesscredentials to an access device to conduct a payment transaction,wherein the mobile device received the device code from the provisioningserver computer, after a user attempts to obtain the access credentialby communicating with the provisioning server computer.
 17. The methodof claim 16, wherein the server computer is an authorization computer.